June 17 – 9 am – 12 noon
HMDA – Reviewing the Reporting Requirements through Case Study & Hot Topics
HMDA reporting can feel straightforward when dealing with standard, cookie-cutter loans but it’s the unique, out-of-the-box scenarios that often create the greatest challenges. Join us as we navigate complex loan transactions with unusual twists that require a deeper dive into HMDA definitions and guidance to ensure accurate and compliant HMDA LAR reporting. Through interactive case studies and real-world examples, this session will strengthen your understanding of reporting requirements while reinforcing how to effectively use HMDA resources to support sound reporting decisions. In addition, we will review recently issued agency guidance and updates that may impact HMDA reporting expectations and practices.
June 17 – 1 pm – 4 pm
TRID – Reviewing the LE & CD for Compliance
There’s no doubt about it, TRID compliance demands a high level of precision and attention to detail. Join us as we take an in-depth look at the Loan Estimate (LE) and Closing Disclosure (CD), with a special focus on navigating the most challenging and commonly misunderstood requirements. This session will provide practical tools and resources to help ensure disclosure accuracy, including calculation formulas, compliance tips, and guidance on using the FFIEC’s disclosure computational tool to verify the accuracy of the annual percentage rate (APR). Whether you are new to TRID or looking to strengthen your existing knowledge, this session offers valuable insights for anyone responsible for TRID compliance and disclosure accuracy.
June 18 – 9 am – 12 noon
Flood – Ensuring Adequate Coverage for Complex Situations
Meeting the requirements of the Flood Disaster Protection Act (FDPA) may seem straightforward when a loan involves a single structure as collateral, but many lending situations are far more complex. In this session, we will take a deeper dive into mixed-use structures, condominiums, and other non-traditional scenarios to help ensure compliance with FDPA requirements. Participants will learn the critical questions to ask, key documentation to review, and practical approaches for addressing challenging flood insurance situations. This class will also provide valuable tools, checklists, and guidance for documenting minimum coverage calculations and other essential information needed to maintain adequate flood insurance coverage throughout the life of the loan.